Cavender Cadillac Company 401(k) Review & Grade
Cavender Companies 401(k) Plan
San Antonio, TXRetail Trade657 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$552Employer $ per active participant
$3,719Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$23.2MNet plan assets, end of year
$29,557Average balance per account
Score breakdown
- Employer generosity19.7 / 5039th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 82th |
| Employee saving | 62th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,618 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cavender Cadillac put in about $552 per active participant, below the typical peer ($743). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $362,786 |
| Participant (employee) contributions | $2,443,433 |
| Other contributions (incl. rollovers in) | $127,288 |
| Administrative expenses paid from the plan | $14,460 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $4,718 |
| Benefits paid out | $2,546,594 |
| Net assets, start / end of year | $19.9M / $23.2M |
| Active participants, start / end of year | 517 / 797 |
| Participants with account balances | 784 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lane Gorman Trubitt LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $9,742 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251120101206NAL0007837488001, received 2025-11-20, EIN 74-2938959, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.